Agents Insurance Markets, Inc. (AIM) offers a flexible, competitively priced Miscellaneous Professional Liability (MPL) program for independent agents and brokers placing risks in North Carolina, Virginia, and Washington, D.C. This program is designed to help you place hard-to-cover or non-standard professional liability exposures across a broad range of classes. AIM leverages experienced underwriting and access to select carrier partners to provide tailored solutions and responsive service for miscellaneous professional risks.
Ideal Accounts and Appetite
AIM underwrites more than 100 professional classes, giving you the flexibility to place both common and niche service providers. The program is intended for businesses that provide professional services but do not fit traditional E&O categories (for example, physicians or attorneys).
Sample Eligible Classes Include:
- Advertising agencies
- Auctioneers (non-real estate)
- Background check and screening services
- Caterers and event planners
- Claims adjusters
- Computer programmers and IT consultants
- Dog obedience schools and pet groomers
- Notaries and tax preparers
- Photographers, tutors, and travel agents
- Speech therapists and bookkeepers
Typical fit: small to mid-size professional service firms, independent consultants, freelancers, and specialty providers whose exposures involve alleged errors, omissions, negligent advice or misrepresentation. Accounts with routine professional services, modest revenue, and limited professional staff generally work best. Classes with high regulatory or malpractice exposure (licensed medical or legal practices) are typically outside this appetite.
Example scenarios you might place: a freelance graphic designer seeking protection for alleged copyright or design errors, or a small background-screening firm that needs coverage for data-handling or reporting mistakes.
Coverage Highlights and Advantages
The MPL program provides broad, customizable protection suited to diverse professional exposures. Key features include:
- Claims-made and reported policy form
- Available as a stand-alone Miscellaneous Professional Liability policy or packaged with General Liability and Property
- Bilateral extended reporting period options
- Package policy options for streamlined administration
- Duty to defend wording and personal injury coverage
- Optional enhancements (class-dependent), such as:
- First dollar defense
- Claims expenses outside the limit
- Punitive damages where insurable
- Copyright infringement coverage for select classes
These features help insureds manage risks arising from alleged negligent acts, errors, omissions, or breaches of professional duty in the delivery of their services.
Underwriting Notes and Minimum Premiums
All submissions are individually underwritten and evaluated by class, revenue, employee counts, prior claims history, and exposure profile. AIM places accounts with varying carriers depending on class and risk characteristics. The program can accommodate both start-ups and established firms; terms, limits, and minimum premiums will depend on the specific class and underwriting factors. Provide complete submissions to help speed quote turnaround.
Territories and Availability
This MPL program is available in:
- North Carolina (NC)
- Virginia (VA)
- Washington, D.C. (DC)
Policies are written on a non-admitted basis through select carriers. Availability and carrier placement vary by class and risk profile.
Why Work With Agents Insurance Markets, Inc.?
AIM is a Managing General Agency focused on placing specialty professional liability risks that can be difficult to place in admitted markets. You get access to underwriting expertise, a broad appetite for miscellaneous classes, and carrier relationships that are often not available directly to retail agents. AIM emphasizes responsive service—fast quotes, clear underwriting guidance, and practical policy options—so you can close business and retain clients.
Whether you’re submitting a first-time policyholder or an established business seeking better terms, AIM can help you secure tailored MPL coverage. Need help placing an account?
Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professionals who provide services but are not covered under traditional E&O policies—such as event planners, computer consultants, notaries, and pet groomers.
Can this policy be packaged with other coverages?
Yes. You can combine Miscellaneous Professional Liability with General Liability and Property under one policy for convenience and broader protection where appropriate.
Is this program available in admitted markets?
No. This MPL program is written on a non-admitted basis through a variety of carriers depending on class and coverage needs.
Do you offer coverage for start-ups or newly formed businesses?
Yes. AIM can consider new ventures and start-ups, subject to underwriting. Minimum premium and terms will vary by class and risk factors.
How quickly can I get a quote?
AIM prides itself on responsive service. Once you submit a completed application and supporting information, most quotes can be provided within a few business days.
Need help placing an account? Connect with a market specialist.